SwipeSimple
SwipeSimple: A flexible virtual terminal with mobile payments, invoices, ACH, and recurring billing. Ranked #16 of 29 in Virtual Terminal Software by our editors (5.9/10); pricing: Paid; best for mobile-first merchants needing a virtual terminal.
At a glance
- Editor score5.9 / 10
- PricingPaid
- Best forMobile-first merchants needing a virtual terminal
- Facts checked20 Sep 2026
Where it wins
- Accepts cards, ACH, digital wallets, and contactless payments
- Supports invoices, payment links, text-to-pay, and recurring payments
- Offers offline mode, card-on-file management, and next-day funding availability
Where it doesn't
- Processing rates and fees vary by the merchant-service provider
- The Bluetooth card reader costs $49 as a one-time purchase
- The listed integration options are limited to three services
Our verdict on SwipeSimple
SwipeSimple is a payment acceptance platform for small businesses that need to take payments across mobile devices, web browsers, and optional hardware. Its virtual terminal supports manually keyed transactions, while card-present payments can be accepted through iOS and Android devices, Tap to Pay on iPhone, or a Bluetooth card reader. The platform also covers invoices, payment links, ACH payments, text-to-pay, customer card-on-file management, and reporting.
Its pricing is organized around payment acceptance and hardware. Card-present processing covers tap, dip, or swipe transactions, while card-not-present processing includes manually keyed transactions, card-on-file transactions, invoices and payment links, and online purchases. The Bluetooth card reader costs $49 one time and pairs with an iPhone, iPad, or Android phone or tablet. The $299 Smart Terminal is an all-in-one device for payment acceptance and receipt printing. SwipeSimple is sold through merchant-service partners, so processing rates and fees vary by provider. SwipeSimple Connect publishes transaction rates, and next-day funding is available for well-qualified merchants subject to approval.
For merchants that need more than a basic virtual terminal, SwipeSimple adds scheduled payments, subscriptions, installments, offline payment mode, and a reporting dashboard. It accepts Visa, Mastercard, American Express, Discover, ACH, Apple Pay, Google Pay, and other contactless digital wallets. Platform coverage includes web, iOS, and Android, with integrations for QuickBooks Online, Text Loyalty & Reviews, and Appointments. Choose SwipeSimple if mobile acceptance, flexible payment options, and recurring billing matter; consider an alternative if you need fully standardized processing costs or a broader integration ecosystem.
SwipeSimple pricing
All 4 SwipeSimple plans and prices →
SwipeSimple fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Payment methods | Not verified |
| Recurring payments | Yes |
| Refunds | Not verified |
| Invoices | Not verified |
| Customer records | Not verified |
| Supported platforms | Not verified |
| Currency support | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | PCI DSS |
| Support | Email, Phone, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 3 integrations: QuickBooks Online, Text Loyalty & Reviews, Appointments See all → |
| Pricing | Paid (source) |
| Website | swipesimple.com |
| Facts checked | 20 Sep 2026 |
SwipeSimple integrations
SwipeSimple lists 3 integrations on its own site.
- QuickBooks Online
- Text Loyalty & Reviews
- Appointments
See all SwipeSimple integrations →
Alternatives to SwipeSimple
- Authorize.netA full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.8.9
- EBizCharge Virtual TerminalA browser-based payment terminal with invoicing, recurring billing, and accounting integrations.8.2
- CoreGateway Virtual TerminalA flexible browser terminal for teams managing card, ACH, recurring, and invoice payments.8.1
See all SwipeSimple alternatives →
Also listed in
Used SwipeSimple? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used SwipeSimple for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
SwipeSimple is listed in our Virtual Terminal Software directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/swipesimple/"><img src="https://www.itechguides.com/best/badge/swipesimple.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.
Last updated · How we research and update